Revolut Plus review

Revolut Plus is the latest current account to be offered by digital banking brand Revolut. So how do the fees and features stack up?

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Challenger banking brand Revolut unveiled its new Revolut Plus current account in December 2020, which promises more features than its free current account, but at a price. We analyse what you get for your money and where Revolut Plus fits in among the other current account plans that Revolut offers.


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What is Revolut Plus and how much does it cost?

This new tier of digital current account from Revolut sits alongside the three other plans that already exist: Standard, Premium and Metal.

This is the hierarchy of current accounts and how much they cost:

  • Revolut Standard: Free
  • Revolut Plus: £2.99/month (or £29.99 if you pay for an annual subscription)
  • Revolut Premium: £6.99/month (or £72 if you pay for an annual subscription)
  • Revolut Metal: £12.99/month (or £120 if you pay for an annual subscription)

What are the features of Revolut Plus?

The app-based Revolut Plus account comes with all the features of the Revolut Standard current account, which include:

  • £200 of free ATM withdrawals per month (2% charge after that)
  • Free international payments in 30 currencies at the interbank exchange rate
  • Free spending on your Revolut card in the UK and abroad
  • Ability to hold a balance on the Revolut app in up to 30 currencies
  • Spending categorisation by type of transaction, merchant or country
  • “Group Bills” to split payments with friends
  • Ability to freeze your card and set spending limits
  • Option to open a Revolut Junior account (for your child)
  • Option to buy cryptocurrency

And then these are the additional features that you get with Revolut Plus:

  • Purchase protection. Revolut says that you’ll be covered for up to £1,000 if your new purchase (e.g. a mobile phone) is accidentally damaged or stolen in the first year.
  • Enhanced refunds. Get refunded for items between £50 and £300 if your retailer won’t take back your items, and enjoy an extended returns window of 90 days.
  • Ticket reimbursement. If unexpected circumstances (such as sickness or car trouble) mean you miss an event, you can be reimbursed for tickets worth up to £1,000.
  • Interest-paying “Savings Vault”. An interest rate of 0.30% AER is paid daily on money set aside in a Savings Vault.
  • Personalised payments card. Order a bank card with a custom design to stand out from the crowd. You can even incorporate your own doodles.
  • Extra Revolut Junior features. You can unlock “Tasks” and “Goals” in your linked Revolut Junior account, to help your child learn the value of money.

Compare the differences between the different Revolut cards

1 - 4 of 4
Name Product Account fees UK ATM fees Overseas card transaction fees Overseas ATM fees Incentive
Revolut Standard
Finder Award
Free up to £200 per month
£0, currency conversion charge of 0% Mon-Fri (max. £1,000 per month)
Free up to £200 per month, currency conversion charge of 0% Mon-Fri (max. £1,000 per month)
Revolut Plus
Finder Award
£2.99 per month
Free up to £200 per month
£0, currency conversion charge of 0% Mon-Fri (max. £1,000 per month)
Free up to £200 per month, currency conversion charge of 0% Mon-Fri (max. £1,000 per month)
Revolut Premium
Finder Award
£6.99 per month
Free up to £400 per month
£0, currency conversion charge of 0% Mon-Fri
Free up to £400 per month, currency conversion charge of 0% Mon-Fri
Premium account holders can purchase discounted LoungeKey passes, get free lounge access for delayed flights and benefit from a discount of 20% on every international transfer.
Revolut Metal
Finder Award
£12.99 per month
Free up to £800 per month
£0, currency conversion charge of 0% Mon-Fri
Free up to £800 per month, currency conversion charge of 0% Mon-Fri
Earn 0.1% cashback, purchase discounted LoungeKey passes, get free lounge access for delayed flights and benefit from a discount of 40% on every international transfer.

Compare up to 4 providers

How do I open a Revolut Plus account?

You’ll need to go to the App Store or Google Store (depending on whether you have an iPhone or Android phone), and then download the Revolut banking app. You can also sign up via the Revolut website, where if you enter your mobile number, you’ll be sent a link to download the app.

When you open a personal Revolut current account, you can then select which price plan you want to sign up for. You’ll need to provide some contact details and a form of ID, although Revolut doesn’t conduct credit checks. Your physical card should reach you in the post within 5 working days.

Is Revolut Plus safe?

Revolut provides personal and business accounts in the UK and in many countries around the world, but it’s not actually a licensed bank in the UK. This means that your money is not specifically covered by the Financial Services Compensation Scheme (FSCS), which protects deposits of up to £85,000.

However, Revolut is authorised to operate as an electronic money institution, which means that it’s required to safeguard customers’ money in ring-fenced accounts at licensed UK banks. This means that in practice, if Revolut were to go bust, your money would be safely held elsewhere, separate from the company’s own finances.

Pros and cons of Revolut Plus


  • Includes all the features of the Revolut Standard account
  • Extra features such as £1,000 purchase protection and event ticket reimbursements
  • Option to earn interest on your Savings Vaults
  • The account is easy to open and set up, with no credit checks
  • Although it’s not free, it’s reasonably priced at £2.99/month


  • A mid-range account isn’t for everyone – Revolut’s free Standard account might be sufficient, or you may need the more advanced features and perks of Premium or Metal
  • Revolut isn’t covered by the FSCS

Our verdict

Revolut Plus is an interesting play from Revolut, sitting in between its basic free Standard account and the higher priced Premium and Metal accounts. Some may argue that this is one price tier too far, as there are now four Revolut personal current accounts to choose from. For others, the Plus plan might be just what they’re looking for, as it provides some additional features for an annual fee of £29.99, compared to the slightly eye-watering £120 for a year’s worth of Metal (although you do of course get a concierge service and a cool metal card with that). You can get started by visiting Revolut's website and downloading the app.

This mid-priced Plus account comes with all the things you’d expect from a Revolut current account, such as spending categorisation and free international payments, with the additional perks of purchase protection and interest-earning Savings Vaults. The £2.99 a month price tag could tempt banking customers looking for their first step up from a free current account.

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